Does anyone have recommendations for health insurance coverage after COBRA runs out?
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Anyone have suggestions for Colorado for this? Obamacare?
Can’t afford COBRA for long, $2000+ per month.
Already checked with private insurance brokers and since we have preexisting condition that’s not an option.
If you’re young and healthy and no condition, then you might find private health coverage.
Be grateful for Obamacare, otherwise we would all be SOL with any kind of preexisting like high blood pressure.
went through this recently with my oldest kid, who is a 1099 contractor for IT in Central Texas. He chose BCBS for TX statewide coverage Some professional organizations like realtors offer their own exchanges. The private exchange may be easier to navigate than the dotgov website. In addition to Cost, check ratings, coverage Areas, and provider directories. From what we saw, to cover pre-existing conditions, you have to buy from one of the exchanges (private or healthcare.gov). Here's a website we found useful http://www.texashealthoptions.com/cp/findingcoverage.html
If you don't find a new employer with a subsidized corporate plan my advice is to stay on Noble COBRA as long as possible. Yes, it's expensive, but it has broader options and lower deductibles than what's out there on the open market.
Once your COBRA runs out the best option in the Houston market is Community Health Choice (IMHO). They also aren't cheap, have a narrower network and higher deductibles. However, they include most of the major hospitals in the metroplex. The other providers have even narrower networks for similar costs. I've been tracking health insurance options for several years and CHC has come out on top every year. As far as claims are concerned, CHC has been responsive, paying more than I expected given the deductibles.
Try checking healthcare dot gov. They'll let you see what plans are available in your area. Their site allows you to compare options. From my experience, if you contact the insurance companies direct you'll get the same answers, you'll just be quoted "off" market instead of "on" market. Otherwise, the equivalent plans are identical in all respects.
Unfortunately, finding good health insurance in the US s–ks.